I have just found a company who claim they will BUY your credit card debt and take on the liability for it ! (fees £295 up front (refundable) and also 10% of the outstanding balance once the agreement has been audited) They say you can legally transfer the debt, notify the lender/experian etc and you will no longer be liable for any further payments. They say it can all be done within 14 days. Anyone heard of this ? Is it legal ?